Lending

Lending protocols form the backbone of the decentralized money market, allowing users to lend or borrow digital assets without intermediaries. Using smart contracts, platforms like Aave and Morpho automate interest rates based on supply and demand while requiring over-collateralization for security. The 2026 lending landscape features advanced permissionless vaults and institutional-grade credit lines. This tag covers the evolution of capital efficiency, liquidations, and the integration of diverse collateral types, including LSTs and tokenized RWAs.

16075 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Digital lending drives FCMB’s digital revenue to N113.6b in first 9 months of 2025

Digital lending drives FCMB’s digital revenue to N113.6b in first 9 months of 2025

In First City Monument Bank Group’s (FCMB) nine-month financial results for the period ending 31st September 2025, the…

Author: Technext
5 Crypto & AI Frontier Forces

5 Crypto & AI Frontier Forces

The post 5 Crypto & AI Frontier Forces appeared on BitcoinEthereumNews.com. According to Gate Ventures, its 2026 outlook identifies five emerging frontiers expected to shape the next phase of industry development. First, real-time information aggregators for on-chain markets are becoming a primary intelligence layer that unifies fragmented data and liquidity. Second, decentralized payment and FX rails are increasingly replacing traditional neobanks by enabling borderless and real-time settlement. Third, machine-native financial systems are beginning to take shape as autonomous robots coordinate and transact on-chain. Fourth, institutional DeFi is shifting toward unified meta-yield platforms through the consolidation of diverse on-chain returns. Fifth, crypto miners are evolving into distributed providers of energy and compute infrastructure for the AI era. Gate Ventures notes that these developments collectively signal a structural shift in how value, compute, and intelligence move across the global economy, while also pointing to growing momentum for crypto and ecosystem companies pursuing public listings and expanding pre-IPO investment pipelines. The crypto industry enters 2026 at a defining moment for the crypto and compute ecosystem. After more than a decade of foundational infrastructure build-out, Web3 is now intersecting with the fastest-growing sectors of the global economy. The coming year will be defined not by incremental refinements, but by the emergence of entirely new demand surfaces: real-time information aggregators for onchain markets becoming the intelligence layer of crypto; borderless payment and FX networks replacing legacy fintech rails; autonomous robots beginning to coordinate and transact onchain through machine-native financial systems; institutional DeFi consolidating into unified risk and yield engines; and miners evolving into globally distributed AI compute and energy providers. Together, these forces signal a structural shift in how value, compute, and intelligent agents move across the world, creating one of the strongest asymmetric investment environments since the beginning of the crypto industry. For projects developing in these domains, Gate Ventures welcomes the opportunity to connect.…

Author: BitcoinEthereumNews
Ripple (XRP) Remains Steady, Yet This $0.035 Token Is the Best Crypto to Buy Now

Ripple (XRP) Remains Steady, Yet This $0.035 Token Is the Best Crypto to Buy Now

Institutional support for Ripple (XRP) can certainly be felt, as the spot market for the XRP ETF sees the 12th consecutive day of inflow, despite the likelihood of an interest cut from the Fed. Although XRP continues to show healthy growth and future investment potential, there appears to be an even bigger opportunity that most […]

Author: Cryptopolitan
Arbitrum Show +49% Transaction Boom & WETH/WBTC Inflows

Arbitrum Show +49% Transaction Boom & WETH/WBTC Inflows

The post Arbitrum Show +49% Transaction Boom & WETH/WBTC Inflows appeared on BitcoinEthereumNews.com. What to Know Arbitrum saw a major activity surge, with transactions up 49%, DEX volume up 18%, and strong WETH/WBTC inflows. Ecosystem accelerated, with big milestones from Robinhood, Hyperliquid, Ostium Labs, Caldera, Footium, and more. ARB price showed a mild uptick, rising 2.5% in 24h as investors watch for a breakout above the $0.23 resistance level.   Arbitrum just had one of the best weeks ever. Activity on the network has gone up a lot, and there have been a number of big wins for the ecosystem. In the last week, Arbitrum saw a 49% increase in transactions, an 18% increase in DEX volume, and a lot of WETH and WBTC coming in, which means that more money is moving onto the chain. The most recent data from Nansen shows that even though the number of active users went down during the week, Arbitrum’s transaction count and on-chain liquidity kept going up. This suggests that the users who are still active are doing more and adding more value to the network. Strong Chain Performance  According to Nansen’s Performance metrics: Transactions: 21.9M in 7 days (+49%), the fastest growth among major Layer 2 networks. Active Users: 1.07M (-39%), showing fewer but more engaged users. Gas Fees: $314.7K for the week, ranking 7th across chains. DEX Volume: $3.5B (+18%), showing strong trading activity. The bullish indicators like rising transactions, rising DEX volume, and significant inflows of WETH and WBTC, are often seen as a sign of capital preparing to deploy into DeFi. Stablecoin activity also expanded, with USDAI, sUSDAI, and other assets flowing into the ecosystem, another indicator that users are preparing to transact, trade, and stack. Other Ecosystem Wins Beyond metrics, the past week was packed with major milestones from builders across Arbitrum: Robinhood App crossed 1,000+ tokenized stocks, ETFs, and…

Author: BitcoinEthereumNews
30,000 USDT Airdrop for Meme-Coin Trading

30,000 USDT Airdrop for Meme-Coin Trading

The post 30,000 USDT Airdrop for Meme-Coin Trading appeared on BitcoinEthereumNews.com. Global cryptocurrency exchange Zoomex has officially launched the “ZOOtopia Trading Festival,” a platform-wide event combining meme-coin trading, daily missions, and exclusive community rewards. The campaign features a total prize pool of 30,000 USDT in airdrops, along with additional perks including fee rebates and movie-ticket giveaways. According to the official announcement, the ZOOtopia Trading Festival is designed to engage both new and experienced traders by blending high-growth meme-coin momentum with gamified participation tasks. Users who trade eligible meme tokens and complete daily missions can qualify for a share of the 30,000 USDT airdrop pool. • 30,000 USDT Airdrop Reward Pool Participants who complete event tasks and meet the trading requirements will be eligible to claim a portion of the prize pool. • Meme-Coin Focused Trading Experience The event includes several trending meme tokens, offering users exposure to some of the most active and volatile assets in the current market cycle. • Daily Missions & User Engagement Tasks Beyond trading volume requirements, users can complete structured daily missions to unlock additional rewards, enhancing interaction and accessibility for casual traders. • Extra Perks: Movie Ticket Draws & Fee Rebates In addition to the airdrop, Zoomex is offering movie-ticket giveaways and transaction-fee rebates for eligible traders. Zoomex’s Vision: Simple, Fast, User-First Founded in 2021, Zoomex has quickly grown into a global trading platform known for its focus on simplicity, user-friendly design, and fast execution. The exchange continues to emphasize transparency, operational fairness, and an easy onboarding experience—especially valuable to newcomers exploring the crypto market. The ZOOtopia Trading Festival aligns with Zoomex’s broader strategy of encouraging community participation and rewarding user activity. By leveraging the popularity of meme-coin trading and offering low-barrier participation tasks, the platform aims to strengthen user engagement and boost market liquidity. Learn More: For full event details, eligibility rules, and participation…

Author: BitcoinEthereumNews
BNB Chain Annual Review: Daily Active Addresses Rank First in L1, Stablecoin Supply Doubles

BNB Chain Annual Review: Daily Active Addresses Rank First in L1, Stablecoin Supply Doubles

Written by: Felix. PANews 2025 was a milestone year for BNB Chain. Amidst multi-chain competition and the diversion of users and capital, BNB Chain, with its low fees, high throughput, and EVM compatibility, became one of the fastest-growing networks in the Web3 field in 2025. Furthermore, at the "2025 Binance Blockchain Week" event, it strengthened its position as a multi-chain infrastructure through dedicated sessions, ecosystem project showcases, and partner interactions. Looking back at the data, BNB Chain achieved several records in 2025: its peak daily active users (DAU) exceeded 5 million, cumulative DEX trading volume surpassed $2 trillion, stablecoin supply surged to 14 billion, the RWA project ecosystem began to take shape, and Meme coin drove community vitality through viral spread. That year, BNB Chain was not merely a "digital factory" for trading volume, but evolved into an ecosystem integrating DeFi, AI, RWA, and Meme culture, attracting hundreds of millions of users and developers worldwide. DEX has the highest number of daily active users. The BNB Chain ecosystem has expanded from a single chain in 2020 to a multi-layered global network, and the data can intuitively reflect the ecosystem's true growth. Currently, BNB Chain's DAU is stable at around 3.7 million, with a peak of 5 million, ranking first among all L1 blockchains, with a market share of 22.6%. Data source: Token Terminal opBNB also ranks first among all L2 blockchains in terms of daily active users, remaining stable at around 1.5 million, with a market share of 41.9%. Data source: Token Terminal Furthermore, as of December 8, the cumulative trading volume of DEX has exceeded $2 trillion, and the trading volume so far in 2025 is expected to reach approximately $680 billion, with a monthly peak of $119.2 billion in October. Data source: DeFiLlama Meme narratives are the " King of Traffic " of the year. Meme coins, acting as a catalyst for new user acquisition, community interaction, and transaction frequency, are undoubtedly the "king of traffic" this year. This year, the BNB Chain Meme ecosystem has transformed from an infrastructure boom (Four.meme) to a community frenzy (CZ effect), evolving from a "casino" to a "semi-ecosystem," making it one of the most active narratives on the blockchain. In the first half of the year, BNB Chain's Meme coin trading volume even surpassed Solana and Ethereum. In June alone, it accounted for approximately 45% of the total Meme coin DEX trading volume. The rise of the Meme ecosystem is inseparable from solid infrastructure. As BNB Chain's "killer application" driving the Meme narrative, the token launch platform Four.Meme has completed a product upgrade, standardizing contract addresses (all ending with "4444"), implementing the PancakeSwap V2 liquidity addition scheme, and simultaneously burning LP tokens. Furthermore, the "0 Fee Carnival" event (zero-gas transfer incentive) reduced minting costs, further fueling a "minting for everyone" craze. The meme craze wasn't limited to the English-speaking community; the waning influence of the Chinese community also "stood up" in October, staging a grand finale. The most popular was the self-deprecating project, $BinanceLife, whose name seems to encapsulate the life of a Binance user: from depositing funds to going all-in and finally being liquidated to zero. $BinanceLife's market capitalization surged twice after its October launch, reaching a peak of approximately $458 million at the beginning of the month, and then exceeding $400 million again on October 21st. Currently, although the meme craze is fading and most tokens have fallen sharply, this frenzy will still leave a significant mark on cryptocurrency history in 2025. Stablecoins maintain the highest number of monthly active addresses. BNB Chain (BSC + opBNB) has performed particularly well in the stablecoin field, ranking among the top three blockchains in the stablecoin sector thanks to its low cost, deep integration with the Binance ecosystem, and a series of incentive activities. As of December 6, the total circulating supply of BNB Chain stablecoin was approximately $14 billion, with a year-to-date supply growth of approximately 102.9% (from approximately $6.9 billion at the beginning of the year); total transaction volume reached approximately $953.8 billion, with an average monthly transaction volume of approximately $85 billion from January to November; the number of transactions has consistently ranked first among all blockchains since May; and the number of monthly active addresses has consistently ranked first among all blockchains this year. Stablecoin supply so far this year; Data source: Artemis Terminal Monthly transaction volume; Data source: Visa Onchain Analytics Monthly transaction count; Data source: Visa Onchain Analytics Monthly active addresses; Data source: Visa Onchain Analytics The growth in the stablecoin sector is attributed to the development of the BNB Chain network itself. Firstly, the "0 Gas Fee Carnival" campaign, which was extended multiple times throughout 2025 and covered multiple currencies including USDT, USDC, and USD1, directly stimulated stablecoin transfers, withdrawals, and bridging, and was also a significant reason for the inflow of funds from retail and institutional investors. Secondly, BNB Chain underwent three major technical upgrades in 2025 (primarily in the form of hard forks). These upgrades focused on improving network scalability, transaction speed, and security. Among them, the Maxwell upgrade implemented on June 30 reduced BSC block time from 1.5 seconds to 0.75 seconds, achieving "sub-second" confirmation, lowering the median gas fee to $0.01 per transaction, and improving network efficiency by 20%. Furthermore, deep integration with communities and institutions (such as World Liberty Financial) has enabled BNB Chain to transform from a "transaction chain" into a "stablecoin payment hub". RWA has developed into one of the mainstream battlegrounds for institutional-level organizations. In 2025, BNB Chain became a leading platform in the RWA tokenization field through technological upgrades and ecosystem integration. As of December 8, its total RWA market capitalization reached $1.74 billion, accounting for approximately 9.46% of the total RWA market; it had over 100 projects; and the number of holders increased significantly from the beginning of the year, reaching 5,231. TVL exceeded $1.005 billion in November, a 55.1% increase in a single month and a staggering 1,510% increase quarter-on-quarter, from $75 million to $1.208 billion, the fastest growth rate in the entire industry; of which USYC reached $903 million and CASH+ money market fund size reached $712 million, forming a dual-engine growth. Data source: Rwa.xyz The biggest factor contributing to BNB Chain's rapid rise in the RWA tokenization field is its provision of a one-stop solution, including compliant issuance (KYC/AML tools), secondary liquidity (DEX integration with PancakeSwap and other platforms), and DeFi utility (lending), which reduces cross-chain friction. In addition, the dedicated RWA incentive program also played a crucial role. In January of this year, BNB Chain established an initial $50 million dedicated RWA incentive fund to provide personalized support for RWA projects built or migrated on BNB Chain, including TVL incentives, liquidity subsidies, and compliance guidance, becoming the starting point for the RWA boom throughout the year. Driven by a number of factors, RWA has seen a series of positive developments. First, the xStocks consortium, a collaboration between Kraken and Backed Finance, officially launched over 60 tokenized US stocks and ETFs on BNB Chain in July, enabling ordinary users to trade traditional stocks on-chain 24/7 for the first time. Subsequently, Ondo Finance's "Global Markets" landed on BNB Chain in October, quickly bringing the number of tokenized assets to over 100, further integrating traditional assets such as stocks, ETFs, and commodities into DeFi. Most notably, on November 14th, BlackRock's BUIDL fund launched on BNB Chain through the security token platform Securitize and the cross-chain protocol Wormhole. This marks the first time the flagship RWA product of the world's largest asset management company has truly been implemented on BNB Chain. Furthermore, CMB International and Circle have also partnered with BNB Chain. CMB International tokenized its $3.8 billion USD money market fund into CMBMINT and CMBIMINT and launched them on BNB Chain, while Circle deployed its tokenized money market fund USYC to BNB Chain. These asset launches signify that BNB Chain has become one of the mainstream battlegrounds for institutional-grade RWAs. Aster has emerged as a dark horse, while Perp is gradually maturing. While Hyperliquid and others still dominate the Perp market, BNB Chain has achieved double-digit growth this year through flagship projects like Aster. Data shows that as of December 8th, BNB Chain's monthly Perp trading volume has generally shown a month-on-month increasing trend, peaking in October at approximately $22.483 billion. Its share of the global Perp market has significantly increased, from about 1% at the beginning of the year to approximately 2.05%. Perp has become the third largest narrative after Meme and stablecoins. Data source: DeFiLlama In 2025, several protocols for perpetual transactions emerged on the BNB Chain, with popular projects including Aster and MYX Finance. Aster, as the leading BNB Chain Perp, supports unified liquidity across multiple chains, offering hidden orders, equity Perp, and extremely high leverage (up to 1001x). CZ also publicly purchased Aster, driving its rapid rise. Outlook 2025 is a crucial year for BNB Chain's transformation from high-speed growth to "ecosystem deepening." Leveraging its high performance, low fees, and large user base, it has established a competitive advantage and achieved success in multiple areas, including Meme, stablecoins, and RWA, solidifying its position as a Web3 infrastructure. However, BNB Chain still faces challenges. It needs to shift from "short-term traffic" to "long-term value," and also needs to confront competition among blockchains and macroeconomic uncertainties. How BNB Chain will better prove itself as more than just a chain, bringing the next billion users onto the chain and becoming a global engine for Web3, remains to be seen. Related reading: Funding, Users, and Narrative: Analyzing the Logic Behind BNB's Long-Term Bullish Performance

Author: PANews
Mutuum Finance (MUTM) Holder Count Explodes as Phase 6 Nears 100% Allocation Ahead of Q1 Protocol Launch, Best Crypto to Buy?

Mutuum Finance (MUTM) Holder Count Explodes as Phase 6 Nears 100% Allocation Ahead of Q1 Protocol Launch, Best Crypto to Buy?

The post Mutuum Finance (MUTM) Holder Count Explodes as Phase 6 Nears 100% Allocation Ahead of Q1 Protocol Launch, Best Crypto to Buy? appeared on BitcoinEthereumNews.com. Mutuum Finance is gaining attention among investors, particularly given the fact that the project is witnessing an extremely high number of new holders as the project is fast entering the last stage of Phase 6 of the presale, which is soon to attain 100% sales. Mutuum Finance (MUTM) is currently the best crypto to buy. MUTM is primed and ready to capitalize on the extremely awaited V1 protocol launch, towards the end of Q4, which expresses the project’s attention towards the implementation of usability. With the extremely low price, which is merely $0.035 today, the project continues to see increased attention. Having attained more than $19.18 million in presale and having garnered more than 18,350 supporters, Mutuum Finance is currently the best crypto among new buyers. Boosting the Presale Process with More Investors Entering Phase 6 Mutuum Finance is among the most-watched blockchain initiatives on the eve of the new year, 2026. The ongoing presale is attracting a lot of attention, and so far, it has gained more than 18,350 members and has exceeded the $19.18 million mark. The cost of buying tokens in phase 6 is $0.035, before phase 7, which is set to raise prices by nearly 20% to $0.04. The project has gained so much traction because it focuses on financial applications and utilization, rather than creating hype. This is what has made MUTM so attractive to financial investors, who look at utility focus when searching for new investments and looking to buy the best crypto. Ready to Go Live on Sepolia Testnet Mutuum Finance is preparing to launch the V1 protocol on the Sepolia testnet, which will take place during Q4 2025. This is a long-awaited moment, marking an essential milestone regarding the technical part of the project. When it happens, the most basic components of…

Author: BitcoinEthereumNews
Dogecoin Rises 5% Above $0.15 as ETF Filing and Chart Patterns Hint at Upside Potential

Dogecoin Rises 5% Above $0.15 as ETF Filing and Chart Patterns Hint at Upside Potential

The post Dogecoin Rises 5% Above $0.15 as ETF Filing and Chart Patterns Hint at Upside Potential appeared on BitcoinEthereumNews.com. Dogecoin price surge of 5% in 24 hours has pushed the token above $0.15, driven by broader market recovery and 21Shares’ ETF filing. Technical indicators like the falling wedge pattern suggest potential for further upward momentum, attracting renewed investor interest in this popular meme coin. Dogecoin recovers 5%, surpassing the $0.15 level amid a broader market recovery. 21Shares files for Dogecoin ETF, fueling institutional interest and adoption. The falling wedge pattern on DOGE’s chart signals potential for a breakout and upward momentum, with RSI at 61.49 indicating bullish sentiment. Dogecoin price surge hits 5% as it rebounds above $0.15, boosted by ETF filing and technical patterns. Discover key insights on DOGE’s recovery and future potential in this crypto update. Stay informed on market trends today. What is causing the recent Dogecoin price surge? Dogecoin price surge stems from a combination of market-wide recovery and positive developments like the 21Shares ETF filing. Over the last 24 hours, DOGE has climbed 5%, breaking past the $0.15 resistance level after a prior dip. This rebound aligns with increased trading volume and bullish technical signals, positioning the meme coin for potential further gains as investor confidence returns. The cryptocurrency market has shown signs of stabilization following recent volatility, with major assets like Bitcoin and Ethereum also posting gains. Dogecoin, known for its community-driven appeal and historical ties to social media trends, often amplifies these broader movements. Data from market trackers indicates that DOGE’s 24-hour trading volume has risen by over 20%, reflecting heightened buyer activity. As of December 3, the token reached $0.1505, a level not seen in recent sessions. This uptick follows a two-day gain exceeding 10%, supported by key price floors at $0.13 and $0.15. Analysts attribute part of this momentum to renewed retail interest, spurred by positive sentiment across social platforms…

Author: BitcoinEthereumNews
UK Makes Ethereum Legal Property – While Futures Quietly Surge

UK Makes Ethereum Legal Property – While Futures Quietly Surge

The post UK Makes Ethereum Legal Property – While Futures Quietly Surge appeared on BitcoinEthereumNews.com.  The new law, the UK acknowledges Ethereum as personal property, and derivatives traders reestablish open interest positions following the October liquidation event. On Dec. 2, Ethereum was officially registered as personal property in the United Kingdom. Royal Assent to the Property (Digital Assets etc) Act 2025 that day. Digital property is now in a third tier of personal property in English law. This new position is shared by Bitcoin and other crypto-tokens. The Act eliminates the fact that property must either be in possession or in action as per the traditional definitions. Ambiguity in the law regarding the ownership of digital assets is no longer present. You might also like: Ethereum Sees Drop In Network Validator Participation After Fusaka Upgrade Courts Can Now Trace Stolen Coins Without Workarounds Digital detectives now have greater protection under the law to seek cases against their offenders. Freezing orders and tracing mechanisms can be directly applied by the judges. It becomes easier to recover misappropriated tokens. Clearer treatment is also given to exchange failures and insolvency proceedings. Banks, custodians and funds have fewer ambiguities in the way they organise secured lending or collateral arrangements around ETH. These changes were proposed by the Law Commission in 2023. The act became effective on the spot. It is applicable in England, Wales and Northern Ireland. The measure was passed by parliament after several years of individual case court rulings that treated crypto as property. You might also like: Ethereum’s $3,400 Rally Faces $2B Liquidation Risk Derivatives Positioning Rebuilds After October Wipeout Since October 10, Ethereum futures open interest has been increasing. The date was a violent liquidation date that flushed leveraged positions. Traders are reconstructing exposure despite spot prices that are still lower than they were in the autumn. Binance Futures ETHUSDT perpetual contract records consistent gains.…

Author: BitcoinEthereumNews
WisdomTree Introduces Tokenized Fund with Options Strategy

WisdomTree Introduces Tokenized Fund with Options Strategy

WisdomTree has announced the launch of a tokenized fund integrated with options payout strategies on their blockchain platforms.

Author: coinlineup